Document review and execution on mobile devices

ABSTRACT

A method for tailoring a document for viewing on a mobile device includes obtaining residence information for an individual who is required to sign the document. The document is tailored to the residence of the individual. This includes hiding or condensing one or more portions of the document that pertain to laws in other jurisdictions. The document is permitted to be accessible by the mobile device.

BACKGROUND

Mobile devices, such as smartphones, are commonly used to perform avariety of tasks, including tasks that used to be performed only ondesktop electronic devices or via hard copy. For example, when customersof a financial institution need to review and execute a loan document,instead of reviewing and executing the loan document in person or via adesktop or laptop computer, customers often want to be able to reviewand execute the loan document on their smartphones.

When a loan document, for example for a car loan or other personal loan,is reviewed on a mobile device, it is sometimes difficult to adequatelypresent the contents of the document on a small display screen of themobile device so that a borrower can review and understand the terms ofthe document, sign the document and create a legally binding documentand/or form a legally binding agreement. In addition, many documentshave requirements, specified by state or federal regulations, toadequately highlight certain content, such as an interest rate of aloan. Compliance with these requirements can sometimes be difficult toachieve on a small display screen.

SUMMARY

Embodiments of this patent application are directed to a methodimplemented on an electronic computing device for tailoring a documentfor viewing on a mobile device, the method comprising: identifying oneor more individuals who are required to sign the document; when the oneor more individuals include co-borrowers, tailoring the document foreach of the co-borrowers who are required to sign the document,comprising omitting or disabling one or more portions of the documentpertaining to a non-viewing co-borrower; and permitting the document tobe accessible by the mobile device.

In another aspect, a method implemented on an electronic computingdevice for tailoring a financial document for viewing on a mobile devicecomprises: receiving from the mobile device identification for anindividual who is to review and sign a financial document at the mobiledevice; obtaining a state of residence for the individual; tailoring thefinancial document to the state of residence for the individual,comprising hiding or condensing one or more portions of the documentthat pertain to laws of other states in the United States; tailoring thefinancial document to the individual, comprising omitting or disablingone or more portions of the financial document pertaining to anyoneother than the individual who is required to sign the financialdocument; and sending the financial document to the mobile device.

In yet another aspect, an electronic computing device comprises: atleast one processor; and system memory, the system memory includinginstructions which, when executed by the processing unit, cause theelectronic computing device to: receive a request from a mobile devicefor a financial document; receive from the mobile device identificationfor an individual who is to review and sign the financial document atthe mobile device; obtain a state of residence for the individual;tailor the financial document to the state of residence for theindividual, comprising hiding one or more portions of the financialdocument that pertain to laws of other states of the United States;tailor the financial document to the individual, comprising omitting ordisabling one or more portions of the financial document pertaining toanyone other than the individual who is required to sign the financialdocument; tailor the financial document to comply with federal or statelaws or regulations, comprising highlighting each instance in thefinancial document of an interest rate or finance charge in bold or in acolor other than black; and send the financial document to the mobiledevice.

The details of one or more techniques are set forth in the accompanyingdrawings and the description below. Other features, objects, andadvantages of these techniques will be apparent from the description,drawings, and claims.

DESCRIPTION OF THE DRAWINGS

FIG. 1 shows an example system that supports reviewing and executing adocument on a small device.

FIG. 2 shows example modules of the loan document engine of FIG. 1 .

FIG. 3 shows an example user interface of a display screen of the mobileelectronic computing device of FIG. 1 .

FIG. 4 shows another example user interface of a display screen of themobile electronic computing device of FIG. 1 .

FIG. 5 shows yet another example user interface of a display screen ofthe mobile electronic computing device of FIG. 1 .

FIG. 6 shows yet another example user interface of a display screen ofthe mobile electronic computing device of FIG. 1 .

FIG. 7 shows yet another example user interface of a display screen ofthe mobile electronic computing device of FIG. 1 .

FIG. 8 shows yet another example user interface of a display screen ofthe mobile electronic computing device of FIG. 1 .

FIG. 9 shows yet another example user interface of a display screen ofthe mobile electronic computing device of FIG. 1 .

FIG. 10 shows yet another example user interface of a display screen ofthe mobile electronic computing device of FIG. 1 .

FIG. 11 shows yet another example user interface of a display screen ofthe mobile electronic computing device of FIG. 1 .

FIG. 12 shows an example method for generating a customized HTML versionof a financial document.

FIG. 13 shows example physical components of the organization servercomputing device of the system of FIG. 1 .

DETAILED DESCRIPTION

The present disclosure is directed to systems and methods for reviewingand executing documents on small, mobile devices. Using the systems andmethods, documents can be converted from one format to a differentformat to permit customization of the document. In addition, documentsare reviewed for presentation on the small, mobile devices so that thepresentation complies with parameters determined by state and federallaw, regulations regarding consumer lending and e-Commerce, courtrulings, industry standards, and best practices.

In an example embodiment, a document is taken from a first format to asecond format that is more easily rendered and presented on a smallscreen, such as that of a smartphone or other mobile device. Forinstance, a source document, for example a Portable Document Format(PDF) document, is converted to a hypertext markup language (HTML)version of the document. The HTML version of the document can then bedisplayed on a display screen of a mobile device, such as a smartphone.By displaying the HTML version of the document instead of the PDF, thedocument can be modified to fit a size of the display screen, tohighlight certain features of the document, to display signature boxeswhere needed, to adjust content of the document based on a state ofresidence of an individual named in the document, and to adjust contentof the document based on who is reviewing the document. In someimplementations, the source document can be converted into other formatsbesides HTML, for example XML, format.

In the disclosed embodiment, the source document is a PDF document,although the source document can also be in other formats. For example,in an alternative embodiment, the source document could be stored as oneor more data elements in a database. In such an example, one or moredatabase queries are made to obtain the data as the source document.This data can then be converted to a second format, such as HTML, asdescribed herein.

The document can be provided by an organization, for example a financialinstitution such as a bank. In this disclosure, the document is a loanclosing document for items such as personal lines and loans, automobileloans, and/or mortgages. The loan closing document can comprise one ormore unexecuted contractual documents that define the terms of a loan.Other loan closing documents are possible. In this disclosure, anindividual who reviews and signs the loan closing document is referredto as a borrower.

The document may be a standard document than can be modified based on ageographical location at which a borrower resides. For example, certainstates of the United States can have different state law requirements.For a document that can be used throughout the United States, aparticular file format for the document, such as a PDF version of thedocument, can include requirements for multiple states. When viewing thePDF version of the document, the borrower would only need to reviewsections of the document pertaining to the state in which the borrowerresides. However, the HTML version of the document can hide or condensethe sections of the document that do not pertain to the borrower andonly fully display sections relating to the state in which the borrowerresides. The borrower can click to maximize and display hidden orcondensed content if they wish.

The HTML version of the document can also be modified based on who isaccessing the document. For example when two co-borrowers jointly reviewa personal loan and signatures of both are required for each of theco-borrowers on the loan closing documents, when the loan closingdocument is displayed on a first co-borrower's smartphone, only asignature box for the first co-borrower may be displayed, or the secondco-borrower's signature box may be grayed out, disabled, or cut out.Similarly, when the document is displayed on the second co-borrower'ssmartphone, only the signature box for the second co-borrower may bedisplayed, or the first co-borrower's signature box may be grayed out,disabled, or cut out. Similarly, when a single borrower is reviewing thedocument, items pertaining to a co-borrower may be grayed out, disabledor cut out.

When presenting certain documents to a borrower for review andexecution, organizations are required to comply with federal and statelaws and regulations regarding openness and transparency. Some examplesof compliance requirements include making sure the document is readableand legible and that pertinent information is highlighted so that theinformation is easily viewable by the borrower. Examples can includeshowing an interest rate of a loan, a monthly payment and a total ofpayments over the course of the loan in bold font, in a bright color orenclosed in a box so that the information can be easily see theinformation. Another example is to use font sizes that are easilylegible by the borrower and to avoid the use of small or fine fonts. Inaddition, requirements of certain state and federal laws related toelectronic transactions that are not specific to the financial industry(for example federal E-SIGN and the state equivalent, the UniformElectronic Transactions Act) may be addressed and/or incorporated. Otherexamples are possible.

Other features of the document can include click and confirm buttons, inwhich the borrower can click a button to confirm that the borrower hasviewed a section of the document and confirms an understanding of thesection of the document. The organization can also receive feedback whenthe borrower scrolls or otherwise advances to a new section of thedocument.

The systems and methods can also provide authentication methods toverify the borrower and any co-borrowers. Various method ofauthentication can be used including biometrics and geo-location.Example biometric authentication can include fingerprints, retinal scanand voiceprints. Geo-location can aid in authentication by verifyingthat the borrower is at a location known to be one that the borrowerfrequents or a location that can be considered a safe location. Inaddition, geo-location can be used to provide evidence of where adocument was reviewed and executed.

The systems and methods discussed herein are directed to a computingtechnology that can automatically modify a document in a first format(e.g., PDF) to a second format that can be customized for an individual,that can comply with federal and state regulations regardingtransparency and openness and that can permit the individual to review,understand and sign the document on a small device in order to create alegally binding document and/or form a legally binding agreement. Thesystems and method provides efficiencies in rendering documents on smalldevices. Because the documents can be modified to highlight interestrates, finance charges, disclaimers, etc., in compliance with federaland state laws and regulations, a signature on the document indicatesthat the borrower has read and understood the highlighted items.

FIG. 1 shows an example system 100 that can support reviewing andexecuting a document on a small device. System 100 includes a mobileelectronic computing device 102, a network 104, an organization servercomputing device 106 and a database 110. The organization servercomputing device 106 and include a document modification engine 108.More, fewer, or different components are possible.

The example mobile electronic computing device 102 is an electroniccomputing device of an individual who may be reviewing and executing aloan document from an organization. The mobile electronic computingdevice 102 is typically a smartphone, but can also be another type ofmobile device, such as a tablet computer. Other mobile electroniccomputing devices are possible. Mobile electronic computing device 102can include global positioning system (GPS) software, or othertechnology or software that identifies geographic, that can provide acurrent geolocation of mobile electronic computing device 102.

In some examples, the system 100 is configured to determine a type ofdevice for the mobile electronic computing device 102. Certain types ofdevices may be excluded from the disclosed systems and methods. Forexample, in some embodiments, devices with small screens, such as smartwatches like an Apple Watch, may be excluded. In other examples,non-smart devices, such as traditional cellular phones without smartcapabilities, can also be excluded. The system 100 can be programmed todetermine a type of the mobile electronic computing device 102 andexclude such types.

The example network 104 is a computer network and can be any type ofwireless network, wired network and cellular network, including theInternet. Mobile electronic computing device 102 can communicate withorganization server computing device 106 using network 104.

The example organization server computing device 106 is a servercomputer of an organization, for example a financial organization, thatcan provide a loan document to the borrower to review and sign. Theorganization can store an HTML and/or PDF version of the document. Insome implementations, organization server computing device 106 canconvert the PDF of the document to an HTML format and send the documentin the HTML format or provide access to the document in the HTML formatto the borrower at mobile electronic computing device 102. In otherimplementations, organization server computing device 106 can send thePDF of the document to mobile electronic computing device 102. Mobileelectronic computing device 102 can then convert the PDF of the documentto an HTML format and display the document in HTML format on mobileelectronic computing device 102. In yet other implementations,organization server computing device 106 can send a different type ofsource document to mobile electronic computing device 102 (e.g., datafrom a database), and the mobile electronic computing device 102 canthen convert the source document to an HTML format and display thedocument in HTML format on mobile electronic computing device 102.

The example document modification engine 108 converts a PDF version ofthe document into an HTML version, modifies the HTML version based onstate of residence and an identity of the borrower who is to review andsign the document, and processes borrower inputs from the document.Document modification engine 108 can interact with database 110 toobtain information regarding the borrower, including the state ofresidence of the borrower. Document modification engine 108 can alsointeract with mobile electronic computing device 102 to obtain dataregarding borrower interactions with the document, including a currentsection of the document that the borrower is viewing and confirmationsand signatures from the borrower. A confirmation is an acknowledgementby the borrower that the borrower has reviewed a specific section of thedocument or has signed the document.

The example database 110 is a database associated with the organizationof organization server computing device 106. Database 110 can store aplurality of documents as well as personal information regardingindividuals who are required to review and sign one or more of thedocuments. Organization server computing device 106 can be programmed toquery (e.g. using Structured Query Language, SQL) database 110 to obtainthe document and the personal information.

An example schema including, but not limited to, document and borrowerpersonal information stored in database 110 is shown below. More, fewer,or different fields are possible.

-   -   Borrower Name—the name of the borrower;    -   Borrower ID— a set of letters, numbers, or other symbol that        uniquely identifies the borrower;    -   Borrower home address—a set of letters and numbers that specify        the home address;    -   Borrower state of residence—a state of the United States in        which the borrower resides;    -   Co-borrower Name—the name of a co-borrower;    -   Co-borrower ID—a set of letters, numbers, or other symbol that        uniquely identifies the co-borrower;    -   Co-borrower home address—a set of letters and numbers that        specify the home address of the co-borrower;    -   Co-borrower state of residence—a state of the United States in        which the co-borrower resides;    -   Pointer to loan documents—a pointer to loan documents that are        available to be reviewed and/or signed by the borrower and a        co-borrower.

The above schema permits the database to be queried for data such as thestate of residence for the borrower.

As an example, the following messaging format can be used between theorganization server computing device 106 and the database 110 to obtainthe state of residence for the borrower.

Borrower Name Borrower state of residence

As an example, the database 110 can use the following messaging formatin responding to such a request. In this example, borrower state ofresidence is returned in response to the request.

John Doe Minnesota

FIG. 2 show example modules 200 of document modification engine 108. Themodules 200 include a PDF to HTML conversion module 202, a documentcustomization module 204 and a document processing module 206. More,fewer, or different modules are possible.

The example PDF to HTML conversion module 202 converts the PDF versionof the document into an HTML version. The PDF to HTML conversion module202 can include standard PDF to HTML conversion software.

The example document customization module 204 obtains informationregarding the borrower and uses the information to customize the HTMLversion of the document for review by the borrower. The informationregarding the borrower can include such items as whether there is aco-borrower and the state of the United States in which the borrower andco-borrower resides. The information can be obtained from database 110or from data stored on organization server computing device 106. Otherinformation regarding the borrower can be obtained.

Document customization module 204 can use the information obtained tomodify the HTML version of the document accordingly. For example,document customization module 204 can hide or condense sections of HTMLthat are not relevant to the state in which the borrower resides. Asanother example, document customization module 204 can gray out orotherwise disable a signature box not relevant to the borrower, such asa signature box for the co-borrower in a joint loan document. Othermodifications are possible.

The example document processing module 206 receives inputs from mobileelectronic computing device 102 when the borrower accesses the documenton mobile electronic computing device 102. The inputs can include suchitems as a current section of the document that the borrower is viewing,inputs from confirmation acknowledgment buttons on the document, andinputs from signature boxes on the document. Other inputs are possible.

FIG. 3 shows an example user interface 300 rendered on a display screenof a mobile electronic computing device, for example, mobile electroniccomputing device 102, on which a review and sign screen 302 for afinancial document is rendered. In an example implementation, the reviewand sign screen 302 can be rendered when the borrower clicks on a linkfor the financial document. For example, the link can be sent to theborrower in an email or a text message.

In another example implementation, the borrower can log into a websiteof a financial institution at which the borrower has one or morefinancial accounts or which is processing a loan document for theborrower. Content that requires action by the borrower can appear as alink on the website. The content can be presented in the form of a PDFdocument for downloading or printing or in HTML for online viewing.

User interface 300 includes heading 304 indicating that there are twodocuments for the borrower to sign. One is a Personal Loan Agreement 306and another is an Itemization of Amount Financed 308. When the borrowerclicks on the example review and sign link 310, the example PersonalLoan Agreement 306 document is rendered on mobile electronic computingdevice 102, as discussed in more detail later herein. When the borrowerclicks on itemization of amount financed link 312, an exampleItemization of Amount Financed that indicates the total amount of creditextended and how the funds will be disbursed is displayed on mobileelectronic computing device 102.

User interface 300 also includes heading 314 indicating there are twodocuments for the borrower to review. One is a U.S. consumer privacynotice 316. When the borrower clicks on the example review link 318, anexample U.S. consumer privacy notice 316 is displayed for the borrowerto review. Another document to review, not shown on user interface 300,can be a Credit Score Disclosure Notice. Other documents to review arepossible.

FIG. 4 shows an example user interface 400 for a first page of aPersonal Loan Agreement 402. The first page is indicated by page number404. A forward indicator 406 permits the borrower to advance to a secondpage of the Personal Loan Agreement 402, once the borrower has confirmedthat they have reviewed and understood the content of the first page.The borrower is not permitted to advance to a new page in the documentuntil he/she has acknowledged and confirmed a review of each precedingpage.

The example first page of the Personal Loan Agreement 402 includes aparagraph 408. The example paragraph 408 references a promise to pay thefinancial institution a total principal loan amount 410 of $12,500.00plus interest, fees, charges, expenses and other obligations. The loanamount 410 (“$12,500.00”) is bolded to make it more prominent to theborrower.

The first page of the Personal Loan Agreement 402 corresponds to aspecific section of the document, for example, a first page of a PDF ofthe document, or an introductory section of the document. When theexample first page of the Personal Loan Agreement 402 includes moreinformation than can be displayed on a size of the display screen ofmobile electronic computing device 102, the borrower can scroll throughthe first page by moving his/her fingers up on the display screen. Othermeans of scrolling, for example by using a mouse, are possible.

FIG. 5 shows an example user interface 500 that includes an index 502.The example index 502 is overlaid on a current page that is beingdisplayed. The index 502 includes titles and links for each of the ninepages in the Personal Loan Agreement 402. An example page 1 title 504 isbolded because page 1 is currently displayed. An example page 2 title506 is not bolded. However, when the borrower selects page 2 title 506,contents from page 2 are displayed on the display screen of mobileelectronic computing device 102. However, the borrower cannot advance toa page unless the borrower has confirmed understanding of a currentpage.

For the implementation for user interface 500, the index 502 can beactivated by the borrower swiping his/her fingers down from the top ofthe display screen of mobile electronic computing device 102. In otherimplementations, an icon for activating the index can be included at thetop of the display screen of mobile electronic computing device 102.Other means for activating the index are possible.

FIG. 6 shows an example user interface 600 that shows a section of thePersonal Loan Agreement 402 document that includes heading 602 regardinginterest for the personal loan. The example heading 602 states thatinterest will be calculated on the unpaid principal balance of thepersonal loan at an annual rate of 8.740%. The interest rate 604 of8.740% is shown in bold to make it make it more prominent to theborrower.

FIG. 7 shows an example user interface 700 that includes an end of acurrent displayed page of the loan. User interface 700 includes acheckbox 702, a next page button 704 and a back button 706. The borrowercan check the example checkbox 702 to confirm that he/she has read andunderstood the contents of the current displayed page. The confirmationis submitted when the borrower selects the example next page button 704.The example back button 706 permits the borrower to exit the PersonalLoan Agreement 402 document and not indicate confirmation ofunderstanding of the current page of the Personal Loan Agreement 402document. The next page button 704 is used to display the nextsequential display page. It should be noted that each displayed pagedoes not necessarily align with a pagination in a paper version of thedocument.

FIG. 8 shows an example user interface 800 that shows an exampleTruth-In-Lending Disclosure Statement 802. For the example shown in FIG.8 , the Truth-In-Lending Disclosure Statement 802 corresponds to page 3of Personal Loan Agreement 402. The Truth-In-Lending DisclosureStatement 802 displays in large bold type an annual percentage rate 804for the personal loan and a finance charge 806 for the loan. As shown onuser interface 800, the annual percentage rate 804 for the loan is8.747% and the finance charge 806 for the personal loan is $2,984.20.The use of large bold type and boxes enclosing both the annualpercentage rate 804 and the finance charge 806 complies with regulatoryrequirements.

FIG. 9 shows an example user interface 900 that includes an end of thePersonal Loan Agreement 402. User interface 900 shows a signature box902 for a borrower. Signature box 902 permits the borrower toelectronically sign his/her name to confirm that the borrower agreeswith the terms of the Personal Loan Agreement 402. The borrower mustclick to sign and then click to confirm adding his/her signature. Theborrower cannot use his/her fingers to sign.

In a preferred implementation, a three-step signature process is used toprevent accidently signing and submitting the document with a mistakenclick. In step one, the borrower clicks signature box 902. In step two,the borrower clicks on a signature confirmation overlay (for exampleconfirm signature button 1004 of FIG. 10 ). In step three, the borrowerclicks on a finish and submit button (for example finish and submitbutton 1108 of FIG. 11 ). Other implementations are possible, forexample using biometrics (for example retinal scan) or some other methodinstead of clicking.

User interface 900 also includes a designator 904 for a co-borrower.However, as discussed earlier herein, the HTML, version of the PDFdocument takes into account who is reviewing/signing the document. Foruser interface 900, it is the borrower who is reviewing the document.Therefore, there is no signature box shown for the co-borrower.

User interface 900 also include a previous page button 906 and a backbutton 908. The previous page button 906 permits a return to a start ofthe previous page of the Personal Loan Agreement 402 document. The backbutton 908 permits the borrower to exit the Personal Loan Agreement 402document without completing the signature process, if desired.

FIG. 10 shows an example user interface 1000 that includes a signatureconfirmation overlay 1002. The signature confirmation overlay 1002 canbe displayed when the borrower clicks on signature box 902 for theborrower or a corresponding signature box for the co-borrower. Theborrower can confirm the signature of signature box 902 by clicking onconfirm signature button 1004. The confirmation of the signature permitsa finish and submit page to be rendered on the display screen.

FIG. 11 shows an example user interface 1100 for a finish and submitpage. The example finish and complete page includes a name of a borrower1102 who reviewed and signed the Personal Loan Agreement 402, the date1104 on which the borrower signed the Personal Loan Agreement 402, aname of a co-borrower 1106 and a finish and submit button 1108. As shownin FIG. 11 , the example borrower 1102 is Trisha Allex, the date 1104 onwhich the borrower signed the Personal Loan Agreement 402 is Jul. 5,2017, and the example co-borrower is Sam Smith. When the borrower 1102selects the finish and submit button 1108, the Personal Loan Agreement402 is submitted for borrower 1102 to organization server computingdevice 106.

FIG. 12 shows a flowchart for an example method 1200 for generating acustomized HTML version of a financial document on organization servercomputing device 106. The HTML version is generated from a sourcefinancial document, in this implementation a PDF version of thefinancial document. For method 1200, the financial document is aPersonal Loan Agreement. The HTML version customizes the PDF version ofthe Personal Loan Agreement by tailoring the PDF version in accordancewith an identity of a number of borrowers who review and sign thePersonal Loan Agreement, and in accordance with a state of the UnitedStates in which the borrowers reside, a type of mobile device being usedand the content of the Personal Loan Agreement.

At operation 1202, organization server computing device 106 obtains thenames of each required signer of the Personal Loan Agreement.

At operation 1204, the state of residence for each required signer isobtained. The state of residence, comprising the state of the UnitedStates in which each required signer resides, can be obtained frominformation provided by the required signer and stored on organizationserver computing device 106 or on database 110.

At operation 1206, a PDF of the Personal Loan Agreement is obtained. Inan example implementation, the PDF is stored on organization servercomputing device 106 or obtained from database 110.

At operation 1208, the PDF of the Personal Loan Agreement is convertedinto HTML format. Organization server computing device 106 uses standardPDF to HTML conversion software for this purpose.

At operation 1210, one or more sections of the Personal Loan Agreementare tailored to the person who is reviewing and signing the document.Tailoring the one or more sections of the Personal Loan Agreement cancomprise hiding or condensing any portion of the Personal Loan Agreementpertaining to a state of the United States in which the required signerdoes not reside. Tailoring the one or more sections of the Personal LoanAgreement can also comprise providing signature boxes only to therequired signer who is reviewing and signing the document. Signatureboxes for other required signers who are not reviewing and signing thedocument can be removed or disabled from the HTML version of thePersonal Loan Agreement.

At operation 1212, the HTML version of the Personal Loan Agreement isorganized into a plurality of sections. Each section can comprise one ormore pages of the Personal Loan Agreement. Example sections can includean introductory section, a section on payments and interest, a sectioncontaining the Truth-In-Lending Disclosure Statement, a sectiondescribing in detail terms and conditions for the loan, a section ondispute resolution, a section on relevant state law, and a section forsignatures and confirmations. Other sections are possible. In an exampleimplementation, the content in the Personal Loan Agreement is arrangedso that information that the organization wants to be prominentlydisplayed is displayed at or near a top of a mobile page and/or iscontained within a page or pages that only addresses the particularsubject matter.

At operation 1214, certain financial information is highlighted in thePersonal Loan Agreement. The financial information that is highlightedcan include such items as an interest rate for the personal loan, afinance charge for the personal loan and a term of the personal loan.The highlighting can be implemented via bolding the financialinformation using HTML, increasing a font size, shading, changing color,and enclosing the information in a box, using HTML formatting. Otherhighlighting is possible.

At operation 1216, the Personal Loan Agreement is rendered on mobileelectronic computing device 102. When the Personal Loan Agreement isrendered on mobile electronic computing device 102, mobile electroniccomputing device 102 determines how to organize the Personal LoanAgreement so that it is optimally displayed on mobile electroniccomputing device 102.

Mobile electronic computing device 102 can obtain the HTML version ofthe Personal Loan Agreement from organization server computing device106. For example, method 1200, the required signer who is viewing thedocument can activate a software application on mobile electroniccomputing device 102 and sign-in to the software application. As aresult of signing in, mobile electronic computing device 102 can obtainthe HTML version of the Personal Loan Agreement from organization servercomputing device 106.

At operation 1218, the HTML version of the Personal Loan Agreement isconverted into a format, for example a PDF format, in which the PersonalLoan Agreement can be saved and in which a non-modifiable record of thePersonal Loan Agreement can be preserved for retention purposes by boththe borrower(s) and the organization.

As illustrated in the example of FIG. 13 , organization server computingdevice 106 includes at least one central processing unit (“CPU”) 1302,also referred to as a processor, a system memory 1308, and a system bus1322 that couples the system memory 1308 to the CPU 1302. The systemmemory 1308 includes a random access memory (“RAM”) 1310 and a read-onlymemory (“ROM”) 1312. A basic input/output system that contains the basicroutines that help to transfer information between elements within theorganization server computing device 106, such as during startup, isstored in the ROM 1312. The organization server computing device 106further includes a mass storage device 1314. The mass storage device1314 is able to store software instructions and data. Some or all of thecomponents of the organization server computing device 106 can also beincluded in mobile electronic computing device 102.

The mass storage device 1314 is connected to the CPU 1302 through a massstorage controller (not shown) connected to the system bus 1322. Themass storage device 1314 and its associated computer-readable datastorage media provide non-volatile, non-transitory storage for theorganization server computing device 106. Although the description ofcomputer-readable data storage media contained herein refers to a massstorage device, such as a hard disk or solid state disk, it should beappreciated by those skilled in the art that computer-readable datastorage media can be any available non-transitory, physical device orarticle of manufacture from which the central display station can readdata and/or instructions.

Computer-readable data storage media include volatile and non-volatile,removable and non-removable media implemented in any method ortechnology for storage of information such as computer-readable softwareinstructions, data structures, program modules or other data. Exampletypes of computer-readable data storage media include, but are notlimited to, RAM, ROM, EPROM, EEPROM, flash memory or other solid statememory technology, CD-ROMs, digital versatile discs (“DVDs”), otheroptical storage media, magnetic cassettes, magnetic tape, magnetic diskstorage or other magnetic storage devices, or any other medium which canbe used to store the desired information and which can be accessed bythe organization server computing device 106.

According to various embodiments of the invention, the organizationserver computing device 106 may operate in a networked environment usinglogical connections to remote network devices through the network 104,such as a wireless network, the Internet, or another type of network.The organization server computing device 106 may connect to the network104 through a network interface unit 1304 connected to the system bus1322. It should be appreciated that the network interface unit 1304 mayalso be utilized to connect to other types of networks and remotecomputing systems. The organization server computing device 106 alsoincludes an input/output controller 1306 for receiving and processinginput from a number of other devices, including a touch user interfacedisplay screen, or another type of input device. Similarly, theinput/output controller 1306 may provide output to a touch userinterface display screen or other type of output device.

As mentioned briefly above, the mass storage device 1314 and the RAM1310 of the organization server computing device 106 can store softwareinstructions and data. The software instructions include an operatingsystem 1318 suitable for controlling the operation of the organizationserver computing device 106. The mass storage device 1314 and/or the RAM1310 also store software instructions and software applications 1316,that when executed by the CPU 1302, cause the organization servercomputing device 106 to provide the functionality of the organizationserver computing device 106 discussed in this document. For example, themass storage device 1314 and/or the RAM 1310 can store softwareinstructions that, when executed by the CPU 1302, cause the organizationserver computing device 106 to display received data on the displayscreen of the organization server computing device 106.

Although various embodiments are described herein, those of ordinaryskill in the art will understand that many modifications may be madethereto within the scope of the present disclosure. Accordingly, it isnot intended that the scope of the disclosure in any way be limited bythe examples provided.

What is claimed is:
 1. A method implemented on an electronic computingdevice for tailoring a document for viewing on a mobile device, themethod comprising: identifying one or more individuals who are requiredto sign the document; when the one or more individuals includeco-borrowers, tailoring the document for each of the co-borrowers whoare required to sign the document on the mobile device, comprisingomitting one or more portions of the document pertaining to anon-viewing co-borrower so that the one or more portions are notdisplayed, including: removing the one or more portions and condensing aremainder of the document surrounding the one or more portions;displaying first content of the document associated with a viewingco-borrower upon viewing by the viewing co-borrower; allowing theviewing co-borrower to scroll through the first content of the document;tailoring the document to include a signature block for the viewingco-borrower required to sign the document, including: receiving aselection of the signature block from the viewing co-borrower;generating a signature overlay on the first content of the document;receiving a confirmation of a signature by the viewing co-borrower onthe signature overlay; and displaying second content associated with thenon-viewing co-borrower upon viewing by the non-viewing co-borrower,wherein the second content includes at least one section of the documentnot displayed at all in the first content; permitting the document to beaccessible by the mobile device; modifying the document to include anindex of an entirety of a plurality of sections of the document that isoverlaid on the document displayed on the mobile device; and allowingadvancement to another page in the document only after confirmation isreceived for a current page of the document.
 2. The method of claim 1,further comprising; obtaining residence information for an individualwho is required to sign the document; tailoring the document to theresidence for the individual, comprising hiding or condensing one ormore portions of the document that pertain to laws in otherjurisdictions.
 3. The method of claim 1, wherein the one or moreportions of the document that are omitted or disabled include anothersignature block for anyone other than the individual who is required tosign the document.
 4. The method of claim 1, further comprisingidentifying one or more statements in the document that are required inthe document to comply with federal or state laws and regulations. 5.The method of claim 4, further comprising tailoring the document toinsert a box around the one or more statements in the document.
 6. Themethod of claim 1, further comprising identifying one or more instanceswhere an interest rate or a finance charge appears in the document, andincluding each instance of the interest rate or the finance charge inbold font or in a color other than black.
 7. The method of claim 6,further comprising using hypertext markup language formatting to includethe interest rate or the finance charge in the bold font or in the colorother than black.
 8. The method of claim 1, wherein the mobile device isa smartphone.
 9. The method of claim 1, wherein the document is aclosing document for a loan.
 10. A method implemented on an electroniccomputing device for tailoring a financial document for viewing on amobile device, the method comprising: receiving from the mobile deviceidentification for an individual who is to review and sign a financialdocument at the mobile device; obtaining a state of residence for theindividual; tailoring the financial document to the state of residencefor the individual, comprising hiding or condensing or more portions ofthe financial document that pertain to laws of other states in theUnited States; tailoring the financial document to the individual,comprising omitting one or more portions of the financial documentpertaining to anyone other than the individual who is required to signthe financial document so that the one or more portions are notdisplayed, including: removing the one or more portions and condensing aremainder of the financial document surrounding the one or moreportions; displaying first content of the financial document associatedwith the individual upon viewing by the viewing individual; allowing theviewing individual to scroll through the first content of the financialdocument; tailoring the financial document to include a signature blockfor the viewing individual required to sign the financial document,including: receiving a selection of the signature block from the viewingindividual; generating a signature overlay on the first content of thefinancial document; receiving a confirmation of a signature by theviewing individual on the signature overlay; and displaying secondcontent associated with the anyone other than the individual uponviewing by the anyone other than the individual, wherein the secondcontent includes at least one section of the financial document notdisplayed at all in the first content; and sending the financialdocument to the mobile device, wherein the financial document ismodified to include an index of an entirety of a plurality of sectionsof the financial document that is overlaid on the financial documentdisplayed on the mobile device, and wherein advancement to another pagein the financial document is allowed only after confirmation is receivedfor a current page of the financial document.
 11. The method of claim10, comprising tailoring the financial document to comply with federaland state laws and regulations regarding financial information.
 12. Themethod of claim 11, further comprising tailoring the financial documentto insert a box around one or more statements in the financial document.13. The method of claim 11, further comprising highlighting eachinstance in the financial document of an interest rate or a financecharge.
 14. The method of claim 13, further comprising formatting eachinstance of the interest rate or the finance charge in bold or in acolor other than black.
 15. The method of claim 13, further comprisingtailoring the financial document to insert a box around the interestrate or the finance charge.
 16. The method of claim 12, furthercomprising tailoring the financial document to include another signatureblock for the individual required to sign the financial document.
 17. Anelectronic computing device comprises: at least one processor; andsystem memory, the system memory including instructions which, whenexecuted by the processor, cause the electronic computing device to:receive a request from a mobile device for a financial document; receivefrom the mobile device identification for an individual who is to reviewand sign the financial document at the mobile device; obtain a state ofresidence for the individual; tailor the financial document to the stateof residence for the individual, comprising hiding one or more portionsof the financial document that pertain to laws of other states of theUnited States; tailor the financial document to the individual,comprising omitting one or more portions of the financial documentpertaining to anyone other than the individual who is required to signthe financial document so that the one or more portions are notdisplayed, including to: remove the one or more portions and condense aremainder of the financial document surrounding the one or moreportions; display first content of the financial document associatedwith the individual upon viewing by the individual; allow the individualto scroll through the first content of the financial document; tailorthe financial document to include a signature block for the individualrequired to sign the financial document, including: receive a selectionof the signature block from the individual; generate a signature overlayon the first content of the financial document; receive a confirmationof a signature by the individual on the signature overlay; and displaysecond content associated with the anyone other than the individual uponviewing by the anyone other than the individual, wherein the secondcontent includes at least one section of the financial document notdisplayed at all in the first content; tailor the financial document tocomply with federal and state laws and regulations, comprisinghighlighting each instance in the financial document of an interest rateor finance charge in bold or in a color other than black; and send thefinancial document to the mobile device, wherein the financial documentis modified to include an index of an entirety of a plurality ofsections of the financial document that is overlaid on the financialdocument displayed on the mobile device, and wherein advancement toanother page in the financial document is allowed only afterconfirmation is received for a current page of the financial document.